The Flexi Core Credit Card is ideal to start building your credit history. It is a card, although quite basic, granted by Absa, a first-level bank. It offers benefits to its users without having to envy anything credit cards with a very high credit limit. To learn more about the Flexi Core Credit Card, we explain its most relevant features.

Flexi Core Credit Card


Absa Flexi Core Credit Core Highlights

Among the most relevant aspects of this card offered by Absa Bank, there are:

  • The maximum credit limit of this card is R90,000.00.
  • The monthly fee for the card is R14.00, which is low.
  • The monthly credit service fee is R30.00 and a minimum monthly payment of 3% to 5% of the total debt is required.
  • The minimum income necessary to obtain this credit card is R2,000.00 per month.
  • It offers up to 57 days of interest-free purchases.
  • It has protection in case of loss or theft.
  • It allows you to make purchases anywhere in the world online.
  • You can buy in physical stores with the card anywhere in the world.
  • It has travel insurance for a certain amount of emergencies. Coverage is R5,000,000.00 and applies for 90 days.
  • The credit card includes a technology known as Contactless or Tap to Pay technology.
  • You can get a refund every time you make a transaction with this credit card.
  • With NotifyMe, you can receive daily SMS messages for free informing you of all the transactions you have made with your credit card.
  • You can enjoy offers at South African restaurants.
  • As the card is Visa, you will have access to Visa Airport restaurants, which is convenient if you travel regularly.
  • It has Credit Life Protection, which means that if the user dies or suffers an accident or permanent disability, the family is exempted from paying the entire debt.
  • This credit card will allow you to create a good credit history, which will help you apply for loans and contracts.
  • You will be able to access Absa Banking, an application of the bank, totally free, where you will be able to observe all transactions and thus manage all your daily limits, unlock functions, block cards, and report fraud, among others.

These are just some of the benefits offered by the Flexi Core Credit Card. If you want to know more, we invite you to visit the bank’s home page or go directly to one of Absa Bank’s branches.


However, to take full advantage of the benefits of this card, it is recommended that you pay your card on time every month.

Absa Flexi Core Credit Card Rates

Below is a list of the most important fees and commissions associated with this credit card:

  • Monthly service fees: R 14.00
  • Initiation fee: R 175.00
  • Monthly installation fee: R 8.50
  • Secondary card fee: R16.50
  • Funds transfer at an Absa branch: R75.00
  • Balance inquiry at an Absa ATM, online, mobile: Free
  • Card life plan: 0.325% of the average outstanding balance of the month
  • Card rejection fee: R8.50
  • Cash withdrawals directly at Absa: R75.00+R2.10 for each R100.00 withdrawn.
  • Cash withdrawals at Absa ATMs: R11.50+R2.00 for every R100.00 withdrawn
  • Saswitch ATM: R11.50 +R2.00 for each R100.00 withdrawn.
  • Internal and external debit orders: Free
  • Transfer of funds at an Absa ATM, online or by mobile: Free
  • Local and foreign credit card purchases: Free

Other fees associated with the Flexi Core Credit Card include late, over-limit, and deposit fees, among others. All of these fees will appear on your credit card statement.

These fees and commissions may vary yearly, so we recommend keeping track of all changes on the bank’s home page.

Credit Card application requirements

To apply for the Flexi Core Credit Card, you must meet the following requirements:

  • You must be a South African citizen, proving it by presenting a valid South African ID book or a smart card.
  • You must be of legal age at the time of application, i.e., 18 years old or older.
  • The minimum monthly income you must have to qualify for this card is R2,000.00.
  • Have proof of income for no more than three consecutive months.
  • Have proof of address for no more than 3 months at the time of application.

Is this card accessible?

Currently, the minimum wage in South Africa is around R3,500.00, which means that the minimum income required is even less than the minimum wage. Meaning that even citizens with incomes less than this can opt for this card.

On the other hand, there is no proof of credit history among the requirements of this credit card. So, it is a perfect option for people who have never had a credit card. Also, for those who want to start building their credit history.

For all this, the Flexi Core Credit Card is quite accessible.

In summary, the Absa Flexi Core credit card is excellent for starting a credit history, and what better way to do it than with Absa Bank Group, one of the oldest and most prestigious banks in South Africa? With the Flexi Core Credit Card, users can enjoy benefits such as travel insurance, refunds, discounts, offers, and many more.


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